Bank charges can very quickly become a real problem when they accumulate. But good news for you, there are tips for paying less, without having to change banks. Thanks to our colleagues of 60 million consumers, you will make big savings. Don’t worry, Objeko’s editorial staff will tell you everything about it. Are you ready ?
Refuse payment means insurance
When you think you are paying too many bank charges, you first think of changing banks. However, you should know that this is not necessarily necessary. Indeed, you can lower the cost of his bank without changing establishment. How ? Well, first of all, by refusing the insurance of means of payment. As a reminder, this covers you against fraudulent use of your card or your checkbook. But it is not necessarily necessary. In particular since the release of the law of 2009. Now banks are obliged to fully reimburse customers who are victims of fraud.
Even if the latter have not subscribed to the insurance. There you have it, already 35 euros saved. Cool, isn’t it? And it’s not finished. Indeed, other tips allow you to considerably reduce your bank charges. For example, it is important to always withdraw cash from your bank’s ATMs. Exceeded a certain number of withdrawals in an establishment other than yours, you may be charged a fee. No, no, it is not a joke.
Other tips to apply
Do you need a checkbook? Well, go pick it up directly at the agency. For what ? Well it’s very simple. You should know that sending by mail will be charged 2€ on average. And sometimes more than 7€ for a registered delivery. Unless you live 500 km from your establishment, the best thing is to pick it up. Also pay attention to the services to which you have subscribed. Like SMS alerts for example. They are not free.
One out of two customers has a banking service package offered at an advantageous price. Yes, but when you re-read the entire contract, you will quickly realize that you don’t need the entire offer. So, to eliminate extra services, list the ones you use often. Add up their individual cost and then compare. You will see, you are paying way too much. Then, do not hesitate to lower the level of range of your bank card. Do you really need an amazing card? It is not certain…
60 million consumers: do not hesitate to negotiate your credit and insurance rates
Finally, the editorial staff of Objeko advises you to negotiate your credit and insurance rates. You will see that by bringing competition into play in these two areas, the banks will listen to you. They won’t want you to go to another establishment. Also pay attention to the borrower insurance you choose, it can quickly become expensive. There you go, now you know everything about it. From now on, you will be able to lower your bank charges without necessarily changing banks. Up to you…
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